Presentation

For
VIVA

KARAN
JAJOTAR
1
 WE TUBE
1.Fundamentals of Finance for Recording Business Transactions
Prof. Suresh Pujari
2. Personal Budgeting Prof. Raj Kumar
3. International Trade Prof. B. B. Bhattacharyya
4. Risk Management in Banking Sector Mr. Ketan Shah
5. Credit Monitoring in Banks Prof. Mallika Gangakhedka
2
1. Fundamentals of Finance for
Recording Business Transactions
Prof. Suresh Pujari
3
1) Analysis of the business transaction

2) what's is account?

3) Types of Impersonal Account?

4) Types of verifiable documents?

5) Duel concepts

6) Golden rules of accounting for passing entry of business

transaction. 4
I. The preliminary stage of recording transaction is revenue transaction & balance sheets.

II. Account is nothing but recording business transaction in Systematic manner.

III. There are impersonal accounts are also exist like real & nominal account in the books of the
accounts.

IV. Every transaction backed by verifiable documents to pass the entry like payment done get
voucher, Payment received sent receipt, Return of goods debit note, get return product from
customer have credit note.

V. Duel Concepts says that every transaction have equal and opposite effect minimum 2
accounts effected one is debit another account have credit effect.

VI.Personal A/c – Dr the receiver, Cr the giver.

Real A/c – Dr what comes in, Cr what goes out.
Nominal A/c – Dr all the Expenses & Loss, Cr all the Income & Gains.
5
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2. Personal Budgeting Prof.

Raj Kumar
6
1) What is personal budget?

2) Why Budgeting is important?

3) Effective Steps of personal budgeting.

4) Catteries of Expenses.

5) Identify the different between wants & needs.

6) Planning of your financial goals .

7
I. Personal Budgeting is individual saving investing in the assets allocation .

II. Budget is summary of income & expenses.

III. A plan of coordination of income and expenses.

IV. Personal Budgets helps to identifies and helps to achieve financial goals with ease.

V. Choose system to record transaction, Determine your income & expenses, compare your
income & expenses, Determine your financial goals, Improve your financial situation final
step to review & evaluate the progress.

VI. Expenses divide into 3 categories Fixed, Variable, Discretionary expenses.

VII. We should spend more on needs, less on wants.

VIII. Note down and analyzing the expenses and improve on it immediate will give good
management on your income and expenditure. 8
 This Photo by Unknown Author is licensed under CC BY-NC

This Photo by Unknown Author is licensed under CC BY-ND This Photo by Unknown Author is licensed under CC BY-NC

3. International Trade
Prof. B.B. Bhattacharyya
9
1) Trade finance’s.

2) Trade policies, rules & regulations.

3) International Chamber of Commerce.

4) Risk in international trade finance.

5) Various ways of payment in international trade.

6) Common documents used in documentary credit

10
I. Trade finances existing from 100s of years.

II. WTO 1995 dealing with the trade among the nations.

III. India International center ( IIC ) is establish in 1990, its having 130 country as its member
It is leading body for resolving international, commercial disputes.

IV. Risk Involved international trades like Country risk - political, economical, legal system,
forex transaction

V. Trade dispute based on trust from seller & the buyer with documents and bills.

VI. Clean payment like open account, advances payment no involvement of third party.

VII. bills for collection – documents against payments, documents against acceptances.

VIII. Airway bills, Certification of origin, bill od exchange, insurances policy comes under
common documents of trade. 11
This Photo by Unknown Author is licensed under CC BY-SA This Photo by Unknown Author is licensed under This Photo by Unknown Author is licensed under This Photo by Unknown Author is licensed under CC BY-ND
CC BY-NC-ND CC BY-NC-ND

4. Risk Management
in Banking Sector
Mr. Ketan Shah 12
1) What Risk in banking sector.

2) Types of Risk in banks.

3) what is Risk Management.

4) Recommended Books for the Risk management in

banking sector.
13
I. Risk management is the analysis of the credit services provides to
customer.

II. Credit Risk are the most important part for prevent Risk.

III. Market risk in while investing the money into equity or bonds.

IV. Operational Risk while making lose because of external factor, Like
partners, third parties, etc.

V. Liquidity Risk for cash flow management well and have to improve.

14
This Photo by Unknown Author is licensed under CC BY-ND This Photo by Unknown Author is licensed under CC BY-ND This Photo by Unknown Author is licensed under CC BY-ND

5. Credit Monitoring in Banks Prof.

Mallika Gangakhedkar
15
I. What is Credit monitoring in banks?

II. Why Credit monitoring?

III. Managerial Appraisals.

IV. Securities offered

V. Profitability for the bank

VI. Sanction Stage Monitoring, Post – Sanction Monitoring.

16
I. Dealing with the day to day business with credit area for the healthy
Portfolio for any bank.

II. Select a good credit Portfolio is in a hand of the Services provider.

III. Variers angles must have to check nature of activity with the Cybil report,
security against loans are to be checked own methods for different banks.

IV. Credit Portfolio and look at the future of future position of that services
Appraisal & survival of a bank future prospective.

V. Security is a caution of the fall back if any irrelevant action happens.

VI. Imaginary & virtual security given by the customers we have to check
before processed.
17
WE LOUNGE
1. Mr. Vikrant Gugnani Exec DIR & CEO,
Reliance Money
2. Mr. Mudit Saxena, Head of Retail, Digital and Marketing
Commercial Bank of Dubai
3. Mr. Chaitanya Chinchlikar BU Head & VP Strategy,
Whistling Woods International
1.Mr. Vikrant
Gugnani Exec DIR
& CEO,
Reliance Money 19
1) Biggest spirits of entrepreneur to change the way all the way thinks so
make it simple.

2) Convert customer to client is the key to build a good quality slandered for
any origination.

3) Reliance money is a brand but as a CEO Of the Organisation I handled

multiple department.

4) There are to many area for the mutual funds of the reliance money with the
govt, 3 rd. party, solo traders, etc.

5) I would like to give you the example for rural Market and Private
Clients wealth team discussion.
20
I. Balanced Between All segment is the most interesting part of the job.

II. The important task I learn is that how to change heads for different
prospective for different team meets and client interaction.

III. Every day is a new day and give a fresh start and try to cross sales then it
will give you result for the betterment for another team for your
organisation.

IV. Technology connection is a customer comfortable so its good to provide

this services to the clients and customers.

V. The competition exist but main focus on customer wants and there desire
to be connected with us.

21
2. Mr. Mudit Saxena,
Head of Retail, Digital &
Marketing
Commercial Bank of
Dubai
22
I. In developing world the new generation is lucky to be a part of new
innovative youth.

II. In Dubai or in any other developing market the first point to understand the
market depth in detailed.

III. Simple we have to target local and state market and then processed with
global platform.

IV. We learn about the technology so the youth changed in the digital planform
in each kind of sectors.

V. Indian have to first understand the own market and then process ahead with
the multi nation state if your planning to make a career over there in any
sector.

23
I. Digital market is developed huge after the new technology
innovation, and people are used to comfortable at developed, few
developing nations.

II. Dubai is deal with 22+ nations digitally and with the help of there
investments with the help of the banking sectors.

III. Digital plus own simple living of lifestyle gives a suitable results
according to your vision.

IV. First of all when you planning to grow just first find the sources of
income through assets then grow with the revenue of that assets
income.

V. Mental physical & social health improve your business as well as

your growth in your selected career.
24
3. Mr. Chaitanya
Chinchlikar
BU Head & VP Strategy,
Whistling
Woods International 25
I. In the begging for any young youth Its Very Difficult for people to know
what they want to do in there life.

II. So I stared with my friend one entertainment helping hand staff.

III. After learning from there they started a event planning and consulting of
there own.

IV. In the begging low quantity but good quality we served for good standard
platform and they understand the concept of the business.

V. Then stared film education system and film making with huge scale and got
succussed as well.

26
I. No body ask the price of medicine but they ask for the value and effect of the
medicine.

II. Education system is there is a culture based we have to studied that the major
cause.

III. Before motivate a child for the action play and for any creative culture
performance we have to convince there parents as well.

IV. We suppose to guide them a right path for make them clear about there goals.

V. We can guide we believe it maybe it will be right or wrong we just give a

chance to guide well, then films are mostly got succussed.

27
 Newswire
1. EMERGING TRENDS IN DIGITAL PAYMENTS

2.THE TOP SEVEN TRENDS IN THE INDIAN FINTECH ECOSYSTEM

FOR 2022

3.EVERYTHING TO KNOW ABOUT THE E-WAY GST BILL

4.UNDERSTAND HOW EQUITY MUTUAL FUNDS WORK

5.HOW MANY PRODUCT CATEGORIES ARE THERE UNDER EQUITY

MUTUAL FUNDS?
28
 Newswire
6.WHAT IS INSIDER TRADING?

7.EXPLAINED: HERE’S WHAT MAKES PAYTM SUCCESSFUL

8.UPI MAKING INROADS GLOBALLY, FACES CHALLENGE FROM OTHER

PAYMENT SYSTEMS

9.SHOULD GOVT ALLOW MINIMAL FEES ON E-COMMERCE

TRANSACTIONS TO STRENGTHEN

10.7 KEY PILLARS OF MODERN RISK MANAGEMENT THAT DEFINES

FUTURE CFO WORLD
29
1. EMERGING TRENDS IN
DIGITAL PAYMENTS
1) Building Customer Loyalty

2) Customization and Value

Addition

3) Security and Trust

4) Customer Support 30
I. In this pandemic with the health & safety concerns this digital transaction increased
by 216% according to RBI results as compare to 2019.

II. Business start trading online with the online payment gateways.

III. loyalty is the main concern of the consumer while buy any kind of product or
services from online platforms they must have a trust on your online presents.

IV. Building customer loyalty by providing them discount or vouchers online.

V. Customization and value addition in any product & services create nice experiences in
the mind of consumer.

VI. Customer data security must be provided to have a trust on your brand.

VII.Customer support plays a critical roll in the customer experiences, because dealing
with the consumer on call / E-mail will create a good image in there mind if you gave
instant resolution to them. 31
2. THE TOP SEVEN TRENDS
IN THE INDIAN FINTECH
ECOSYSTEM FOR 2022

1) Horizontal expansion: bridge to Pay Teach

profitability lacuna
2) Digital adoption overdrive
32
3) Neo banks

4) Ecosystem Banking

5) Insurtech

6) Alternative investment platforms

7) Regulation & compliance

33
I. Consumer start a payments mode digital in there lifestyle while shopping, investment
tech, online-only insurances, etc.

II. safe, secure, innovative & effective payment systems grow the digital economy UPI
& after pandemic report said growth till 2030 will be $800 on the back of digital
public infrastructure.

III. New start-up raising from 2017 growing interest of the investors in this market.

IV. Ecosystem banking helping long-terms values for customer.

V. Fundraising raises faster placed across Asia in recent.

VI. Indian turns there surplus investment from real estate physical assets or Fixed
deposits to equity market.

VII. For online transaction platform’s started with the KYC process to secured the online
transaction and take a action against fraud. 34
3. Everything to know about the E –
way GST Bill.
1) Can one extend the validity of the E – way bill.

2) What transaction need the E – way bill ?

3) What are the documents to carried along with goods

transported.

4) Advantage of E – way bill system / major benefits.

35
I. E - Way bill date extended due to natural or genuine valid reason and also explained
by the transporter.

II. All types of transaction required such as outward supply inter state or other state with
the personal, unregister company information with reason other then supply.

III. Tax invoice, Bill of supply, delivery challan, Bill of entry copy of the E – Way bill Or
EBN which is generated from the common portal GSTN.

IV. The E – Way bill can not be edit or modify once's generated so it can be only
cancelled with in 24 hrs. from the time of generation.

V. Quick and easy movements of goods all over the India any hassle.

VI. Tracking the movement of goods through the EBN number.

VII. Now trader can fill the form online and they don’t have to visit manual for the tax
office to collect or submit the waybills. 36
 4. UNDERSTAND HOW
EQUITY MUTUAL FUNDS
WORK
1) What are the equity mutual funds?

2) who should invest in equity mutual funds?

3) How do equity mutual fund works?

4) Redemption & Holding period of this funds. 37

I. To generate returns mutual funds Invested primarily in the equities of numerous
company.

II. Anyone ready to take on a reasonable amount risk in exchange in long term growth
in the equity fund, they are subject to market risk.

III. Equity mutual fund invest 60% of there assets based on situation of market.

IV. Assets allocations are large – cap, small – cap, mid – cap enterprises.

V. If company make a lose the person can redeem there fund or they have the choice to
hold the funds for the future.

VI. SEBI set a limit of 2.5 % investors can see the higher returns, if there is expenses
ratio is lower

VII. You should be aware of funds expenditure ratio, as if may get affect in returns. 38
5. HOW MANY PRODUCT
CATEGORIES ARE THERE UNDER
EQUITY MUTUAL FUNDS?

1) Product categories under equity schemes?

2) Equity Linked Saving Schemes

39
I. There are 12 product categories under Equity mutual funds gamut.

II. Large cap, mid cap, small cap, Large & mid cap funds 80-30% of the funds of the stock
market.

III. Flexi cap, Multi cap, Dividend Yield cap, value fund that also invests across the market.

IV. Contra, focused, sectoral, thematic funds are investment strategy, tax exemption and
benefit funds across the stock market .

V. SIP grow in the long terms with systematic an disciplined investment on monthly based for
compounding effects.

VI. SEBI mandates all equity schemes to invest minimum 80% of the assets in stocks of
publicly listed company.

VII. Mutual fund invested are subject to market risks, read all schemes related documents
carefully. 40
6. What is Insider Trading

1) Meaning of Insider trading.

2) Who is an insider?

3) What is UPSI ?

41
I. Insider trading is also know as insider dealing, is the malpractice selling or buying
securities such as equity and bonds by the insider of company.

II. To prevent such acts the stock market regulator SEBI prohibited firms to purchase own
firms shares from secondary market.

III. Insider, who have access to confidential information of particular security or stock.

IV. SEBI has issued regulation of UPSI to prevent insider trading into the share market

V. Unpublished Price Sensitive Information Introduced by SEBI Regulation, 2015.

VI. In Fact, the market regulator can impose fines and prohibit trading in the capital market if
found violation of rules.

VII. Insider Trading is most serious malpractices that existing in the market
42
7. EXPLAINED : HERE’S
WHAT MAKES PAYTM
SUCCESSFUL
1) Paytm Successful Case study

2) First payment Super app downloads

43
I. Innovation & being ahead of technology adoption have the new generation scale higher.

II. Paytm become a popular in digital transaction like Paytm karo tag line like old days we
recollect the surf is an detergent powder similarly.

III. Paytm not only gave India's digital wallet, QR code but in the ecosystem for consumer or
merchants financial services second biggest public issue of country.

IV. Paytm journey started with mobile recharge and bill payments in India some like an Apple
and Tesla started there journey from garage.

V. Paytm is still remains the leading brand with maximum recall value.

VI. Today Paytm boasts of 1.2 Billion monthly transaction with over 80 million monthly active
users.

VII. Paytm is India first super app who offers across recharges and bills, wealth management
also. 44
8.UPI MAKING INROADS
GLOBALLY, FACES CHALLENGE
FROM OTHER PAYMENT
SYSTEMS
1) Making Inroads

2) Brazil’s PIX
45
I. Several country have there payment system which can give a
competition to UPI.

II. National Payment Corporation of India entered into tie up with European
payment services worldline.

III. In terms of adopting Nepal became first country outside the India.

IV. Malaysia’s merchants allow Asian allow to send the remittances to India
through UPI .

V. UPI & PIX both low income users driving digital payments.

VI. RBI also have a Tie up with Singapore’s Pay now & UPI.

VII. Instant Payment projects going on in so many country.

46
9. SHOULD GOVT ALLOW
MINIMAL FEES ON E-COMMERCE
TRANSACTIONS TO
STRENGTHEN
1) UPI Using charges

2) RBI Discussion on UPI transactions

47
I. UPI is digital Public Free to use.

II. RBI rules set must to be follow in withdrawal in Saving account.

III. RBI has not yet issued instruction regarding the UPI Transactions.

IV. UPI is good digital public convenience for public & productivity gain for the economy

V. India stride forward to move from paper based payments to digital payments.

VI. Government has to provide Financial support #DigitalPayment Ecosystem.

VII. Shareholders are also make a choice rational choice to embrace at least one digital
means of payment that can closely Substitute for currency.

48
10. 7 KEY PILLARS OF
MODERN RISK
MANAGEMENT THAT
DEFINES FUTURE
CFO WORLD
1) Model of Risk Management.

2) The Way Forward. 49

I. In new Era of demand and customer experiences require the forecasting of financial
analysis.

II. Models of Risk management used for handle specific risk raising out of the business
models.

III. Smart intelligence computer system or human intelligences may required .

IV. Update the model and appropriate risk is a new approach to a particular segment
development.

V. Technology now a days helps a lot to maintain the financial accounts records.

50
 Thank You So Much
I Mr. Karan Jajotar, having admission no. HPGD/JA22/0176, declare that project work
done for Project We Like is my own work conducted as part of my syllabus. I further
declare that project work has been prepared personally by me after viewing the content
under ‘We Tube, We Lounge and Newswire’ and it is not sourced from any outside
agency or any other student. I understand that, any such malpractice will result into I
being debarred for the subject viva and will be considered fail for that subject. I also
understand that I will have to face very serious consequences and my admission to the
program will be cancelled without any refund of fees. I am also aware that, I may face
legal action, if I follow such malpractice. I hereby abide to take the viva faculty’s
decision as final for evaluation of Project We Like.

__________________________
Signature of Candidate 51